Call reports 2022
EPHRATA NATIONAL BANK — 2022
What EPHRATA NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,703,115,000 | 1,767,939,000 | 1,822,154,000 | 1,856,294,000 |
| Total loans | 952,794,000 | 1,046,203,000 | 1,119,635,000 | 1,197,045,000 |
| Allowance for loan losses | 12,979,000 | 13,606,000 | 14,150,000 | 14,151,000 |
| Securities available for sale | 589,493,000 | 579,018,000 | 559,646,000 | 529,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,520,847,000 | 1,580,446,000 | 1,639,231,000 | 1,643,543,000 |
| Interest-bearing deposits | 842,438,000 | 899,808,000 | 961,286,000 | 966,616,000 |
| Noninterest-bearing deposits | 678,409,000 | 680,638,000 | 677,945,000 | 676,927,000 |
| Equity capital | 130,880,000 | 116,312,000 | 116,232,000 | 129,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,388,000 | 24,130,000 | 39,086,000 | 55,892,000 |
| Interest expense | 483,000 | 1,068,000 | 2,027,000 | 4,065,000 |
| Net interest income | 10,905,000 | 23,062,000 | 37,059,000 | 51,827,000 |
| Noninterest income | 3,545,000 | 6,694,000 | 9,865,000 | 13,553,000 |
| Noninterest expense | 10,542,000 | 21,897,000 | 33,264,000 | 45,500,000 |
| Provision for loan losses | 100,000 | 750,000 | 1,300,000 | 1,300,000 |
| Pretax income | 3,947,000 | 7,248,000 | 12,499,000 | 18,623,000 |
| Income tax | 554,000 | 955,000 | 1,768,000 | 2,652,000 |
| Net income | 3,393,000 | 6,293,000 | 10,731,000 | 15,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 151,178,000 | 153,127,000 | 171,612,000 | 177,907,000 |
| Total capital | 165,079,000 | 167,764,000 | 186,692,000 | 193,076,000 |
| Risk-weighted assets | 1,151,351,000 | 1,249,079,000 | 1,298,329,000 | 1,330,084,000 |